The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$6,775
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,986
−HK$214/mo
Today · 4.125%
HK$7,200
baseline
▲ 0.50% · 4.625%
HK$7,638
+HK$438/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,400/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,537
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,739
−HK$205/mo
Today · 4.125%
HK$7,944
baseline
▲ 0.50% · 4.625%
HK$8,363
+HK$419/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,888/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,130
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,383
−HK$257/mo
Today · 4.125%
HK$8,640
baseline
▲ 0.50% · 4.625%
HK$9,165
+HK$525/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,280/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,044
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,287
−HK$246/mo
Today · 4.125%
HK$9,533
baseline
▲ 0.50% · 4.625%
HK$10,035
+HK$502/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,066/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,485
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,780
−HK$300/mo
Today · 4.125%
HK$10,080
baseline
▲ 0.50% · 4.625%
HK$10,693
+HK$613/mo
Deposit HK$891K · loan HK$2.08M · min. income ≈ HK$20,160/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,552
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,835
−HK$287/mo
Today · 4.125%
HK$11,122
baseline
▲ 0.50% · 4.625%
HK$11,708
+HK$586/mo
Deposit HK$891K · loan HK$2.08M · min. income ≈ HK$22,244/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,195
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,574
−HK$385/mo
Today · 4.125%
HK$12,959
baseline
▲ 0.50% · 4.625%
HK$13,748
+HK$789/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$25,918/mo (50% DSR)
Upfront cash ≈ HK$297K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,566
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,930
−HK$369/mo
Today · 4.125%
HK$14,299
baseline
▲ 0.50% · 4.625%
HK$15,053
+HK$754/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$28,598/mo (50% DSR)
Upfront cash ≈ HK$297K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).